Pathfinder Bancorp, Inc. (PBHC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 37 | 44 | 47 | 43 | 46 | 47 | 48 | - |
| Operating profit | $m | -4 | -2 | ||||||
| Net profit | $m | 7 | 12 | 13 | 9 | 3 | -3 | -1 | - |
| EPS reported | $ | -0.54 | -0.21 | ||||||
| Operating cashflow per share | $ | 1.79 | 2.43 | ||||||
| Capex per share | $ | 0.20 | 0.12 | ||||||
| FCF per share | $ | 1.59 | 2.55 | ||||||
| Free cash flow | $m | 10 | 12 | ||||||
| Net debt | $m | -199 | -214 | ||||||
| Book value equity | $m | 121 | 126 | ||||||
| Book value per share | $ | 19.05 | 25.55 | ||||||
| Number of shares | m | 6.35 | 4.92 | ||||||
| DPS (TTM paid) | $ | 0.40 | 0.40 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 0.73 | 0.71 | ||||||
| P/S LTM | x | 1.90 | 1.84 | ||||||
| P/FCF LTM | x | 8.87 | 7.15 | ||||||
| EV/EBITDA LTM | x | -95.10 | 24.12 | ||||||
| EV/Sales LTM | x | 2.33 | 3.44 | ||||||
| Earnings Yield LTM | % | -3.85% | -1.69% | ||||||
| FCF Yield | % | +11.28% | +13.98% | ||||||
| Quality | |||||||||
| ROE | % | -2.82% | -1.08% | ||||||
| ROIC | % | -0.28% | -0.09% | ||||||
| Operating margin | % | -5.17% | -2.09% | ||||||
| Gross margin | % | +38.52% | +43.04% | ||||||
| FCF/Sales | % | +12.65% | +15.71% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +1.55% | +4.86% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | +248.23% | +331.50% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.77% | +2.46% | ||||||
| Dividend Growth | % | +2.56% | +2.56% | ||||||
| Payout Ratio | % | -71.75% | -187.96% | ||||||
| FCF/Debt | x | 0.09 | 0.07 | ||||||
| Net Debt/EBITDA | x | -49.33 | -4,348.38 | ||||||
| EBIT/Net interest | x | -0.13 | -0.05 | ||||||
| Net debt/market cap | % | +1.01% | +1.61% | ||||||
| Net debt/Equity | x | -1.64 | -1.70 | ||||||
| Gross debt/equity | x | 0.89 | 1.44 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Pathfinder Bancorp, Inc. serves as the holding company for Pathfinder Bank, delivering a broad spectrum of banking and financial solutions primarily across Oswego and Onondaga Counties in New York. The institution gathers deposits through various accounts, including checking, savings, money market, certificates of deposit, and both demand and time deposit options. Its loan portfolio is extensive, featuring commercial and residential real estate loans, construction financing, and specific offerings like tax-exempt and municipal loans. Consumer lending is also robust, encompassing auto and recreational vehicle loans, unsecured personal loans, unsecured lines of credit, and loans secured by deposit accounts. Furthermore, Pathfinder Bancorp extends its operations into the insurance brokerage domain, dealing with property, casualty, and life policies. It caters to a diverse clientele, including individuals, families, small to mid-sized businesses, and local government entities. By February 3, 2022, the company maintained a network of ten full-service branches throughout Oswego and Onondaga Counties, alongside a single limited-purpose office situated in Oneida County. Founded in 1859, Pathfinder Bancorp, Inc. is headquartered in Oswego, New York.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Pathfinder Bancorp, Inc. (PBHC)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Pathfinder Bancorp, Inc. serves as the holding company for Pathfinder Bank, delivering a broad spectrum of banking and financial solutions primarily across Oswego and Onondaga Counties in New York. The institution gathers deposits through various accounts, including checking, savings, money market, certificates of deposit, and both demand and time deposit options. Its loan portfolio is extensive, featuring commercial and residential real estate loans, construction financing, and specific offerings like tax-exempt and municipal loans. Consumer lending is also robust, encompassing auto and recreational vehicle loans, unsecured personal loans, unsecured lines of credit, and loans secured by deposit accounts. Furthermore, Pathfinder Bancorp extends its operations into the insurance brokerage domain, dealing with property, casualty, and life policies. It caters to a diverse clientele, including individuals, families, small to mid-sized businesses, and local government entities. By February 3, 2022, the company maintained a network of ten full-service branches throughout Oswego and Onondaga Counties, alongside a single limited-purpose office situated in Oneida County. Founded in 1859, Pathfinder Bancorp, Inc. is headquartered in Oswego, New York.
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